What you use your bike for: You will need to tell your insurer if you use your bike for commuting, business, or a courier service. If you want to use your bike for racing or competitions, you need to find specialist track day cover.

If you carry passengers: You need pillion cover if you carry passengers on your bike, but this sometimes costs extra. Look for a policy that includes pillion cover at no added cost.

How many bikes you use: It is important to have additional cover for riding other bikes. If you own more than one motorcycle, multi bike insurance is cheaper than insuring them separately.

Choosing a higher excess: Picking a higher voluntary excess can help you save money on your premium. But make sure you pick an excess you can afford if you claim.

Adding other riders also affects the cost of your insurance, but whether your premium goes up or down depends on how old they are. Younger riders tend to push premiums up, whereas older riders can reduce the cost.

What is fronting?

This is when an older or more experienced rider is wrongly listed as the main policyholder on a joint policy, to get cheaper insurance.

Giving incorrect details can invalidate your insurance and you will not be able to claim on your policy. Your policy could also be cancelled and you would not get a refund.

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